These few days, I have been wondering to myself as to whether the habit of savings is something we train to do or is it something deeper. I guess your personal habits of savings can be partially shaped by your family background and upbringing. I stated partially because no matter whether your family is rich or poor, whether your parents are spenders or savers, there are always rebels in the family. ( Are you getting what I'm saying? I think the caffeine from my morning coffee is affecting my thought process..getting the buzz from the overly strong coffee...maybe I should cut down.) Anyway, what I personally think is that the habit or need to save is ingrained in our genes, in our DNA. There are those that will never save no matter how deeply in debt they are, and there are those who will still save a ......